List of Low Interest and APR Credit Cards

Below is a list of credit cards with ongoing low interest rates and low APR (notice that many of them are Credit Unions). We define a low interest rate as below 10.99% and have also avoided listing credit cards with a range of APR because it can be deceptive. For example, a card might have an APR which ranges from 8.90% to 17.9%. While 8.9% is considered a low rate, anywhere from 14% to 17% is considered the average interest rate for most cards. We have also avoided listed cards with great 0% introductory offers because most do not have ongoing low APRs after the intro period ends.
 

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Bourns Employees FCU Visa®

Picture of Item Reviewed
Picture of Item Reviewed
Annual Fee: $0 
$0 
APR: 4.99% (Fixed - Ongoing) 
4.99% (Fixed - Ongoing) 
Balance Transfer Rate: 4.99% 
4.99% 
Cash Advance Fee: $0 
$0 
Balance Transfer Fee: $0 
$0 
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Columbine Visa® Black

Picture of Item Reviewed
Picture of Item Reviewed
Annual Fee: $0 
$0 
APR: 7.50% - Variable 
7.50% - Variable 
Balance Transfer Rate: 7.50% 
7.50% 
Cash Advance Fee: $0 
$0 
Balance Transfer Fee: $0 
$0 
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Gundersen Visa® Platinum

Picture of Item Reviewed
Annual Fee: $0 
$0 
APR: 8.90% - Fixed 
8.90% - Fixed 
Balance Transfer Rate: 8.90% 
8.90% 
Cash Advance Fee: $0 
$0 
Balance Transfer Fee: $0 
$0 
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Multipli Mastercard® Platinum

Picture of Item Reviewed
Picture of Item Reviewed
Annual Fee: $0 
$0 
APR: 9.50% - Fixed 
9.50% - Fixed 
Balance Transfer Rate: 9.50% 
9.50% 
Cash Advance Fee: $0 
$0 
Balance Transfer Fee: $0 
$0 
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Qside Mastercard® Platinum

Picture of Item Reviewed
Picture of Item Reviewed
Annual Fee: $0 
$0 
APR: 8.90% - Fixed 
8.90% - Fixed 
Balance Transfer Rate: 8.90%  
8.90%  
Cash Advance Fee: $0 
$0 
Balance Transfer Fee: $0 
$0 
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Simmons First Visa Platinum

Picture of Item Reviewed
Picture of Item Reviewed
Annual Fee: $0* 
$0* 
APR: 10.25% - Variable 
10.25% - Variable 
Balance Transfer Rate: 10.25%  
10.25%  
Cash Advance Fee: > 3% or $4 
> 3% or $4 
Balance Transfer Fee: > 3% or $10 
> 3% or $10 
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